Fixed Indexed Annuity

Nassau Income Accelerator

Name: Nassau Income Accelerator
Brand: Nassau Life

Nassau Life

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Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: September 22, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Nassau Income Accelerator would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of September 22, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$165,285

Est. value at age 80 (Nassau Income Accelerator)

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 3% Cap (Annual)

✦

How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies Nassau Income Accelerator's published cap rate (3% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 22, 2026.

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See how Nassau Income Accelerator compares for your age, state, premium, and income goals alongside other Nassau Life fixed indexed annuity options.

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rate data

Run numbers for Nassau Income Accelerator

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Nassau Life product.

Live product data

Rates as of September 22, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap rate

3% cap on S&P 500

A nine-year-surrender fixed indexed annuity from Nassau Life marketed under an income-suggestive name but configured as accumulation — no optional GLWB rider and no built-in Protected Income Value income chassis on the live feed — with crediting across the S&P 500, Nasdaq-100, and Sunrise Adjustment participation designs, an annual free-withdrawal allowance, three surrender-charge waivers, and a B-grade A.M. Best carrier rating; not available in New York, Maryland, or Maine.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers comfortable taking a fixed indexed annuity as accumulation-only and treating annuitization as the contractual path to lifetime income rather than a separate GLWB rider, who want crediting choice across an S&P cap and higher-participation alternatives, accept a B-grade A.M. Best carrier rating, and are comfortable with a multi-year surrender commitment.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

48 jurisdictions (excl. Maine, Maryland, New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

3% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

13% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Strategy Fee Included

24% participation rate

Participation

Strategy fee: 1%/yr

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

22% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Strategy Fee Included

38% participation rate

Participation

Strategy fee: 1%/yr

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

13% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

22% participation rate

Participation

Strategy fee: 1%/yr

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

17% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

30% participation rate

Participation

Strategy fee: 1%/yr

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

Fixed Account

1.25% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

+ 4 additional crediting options (Smart Passage...)

Lifetime Income Riders

Income rider

Flex-Forward Income Benefit Rider

RMD friendly

Lifetime payout rate7.55% lifetime payout

Annual rider fee0.95% annual rider fee

Guaranteed roll-up10%/yr

Income rider

Income Horizon: Later Rider

RMD friendly

Lifetime payout rate7.4% lifetime payout

Annual rider fee0.95% annual rider fee

Guaranteed roll-up10%/yr

Income rider

Income Horizon: Early Rider

RMD friendly

Lifetime payout rate6.43% lifetime payout

Annual rider fee0.95% annual rider fee

Guaranteed roll-up10%/yr

Product analyst notes

How to think about this contract

Why it can stand out

Crediting menu spans recognizable benchmark indexes (S&P 500, Nasdaq-100) alongside fee-free participation designs and Sunrise Adjustment and Strategy Fee Included higher-participation alternatives, so a buyer can pick the mechanic that best fits their view — a clean S&P cap for like-for-like comparison or higher participation in exchange for an explicit strategy fee or volatility-managed mechanic.
An annual free-withdrawal allowance plus three contract-level surrender-charge waivers (nursing home, RMD, terminal illness), so required-minimum-distribution withdrawals for qualified buyers and the events the waivers cover do not trigger a surrender charge on top of the free-withdrawal access.
Both single and joint annuitization options are available, and the contract accepts non-qualified and qualified funds — couples planning a joint-life payout and buyers using IRA money are both inside the product's accepted-funds and payout-options envelope.
Annuitization itself is the contractual path to lifetime income on this contract — buyers wanting a fixed lifetime payout can convert the contract value to a stream of payments at the configured annuitization option, even though no separate GLWB rider is attached.

What to confirm

Despite the 'Income Accelerator' marketing name, the live CANNEX feed for Nassau Income Accelerator shows no optional GLWB income rider and no Protected Income Value feature. Buyers expecting a rider-led guaranteed-lifetime-withdrawal income product based on the name should not assume this contract provides that — the income path is the standard annuitization option, not a separate guaranteed-withdrawal rider on the contract value.
Carrier financial-strength on this contract carries a B-grade A.M. Best rating rather than the A-grade tier most large FIA issuers hold, and the page shows only a single agency view. Buyers prioritizing the strongest available carrier-credit profile should weigh that against the headline rate, particularly across a multi-year surrender commitment.
The S&P 500 base cap rate on this contract is meaningfully below the cap on the Nassau Growth Annuity sibling chassis — buyers who want clean S&P accumulation crediting at the highest available Nassau cap should compare both filings before locking in. There is no premium bonus on this contract, no death-benefit roll-up beyond the standard contract value, and the live feed shows zero-floor minimum participation rates and a zero-floor minimum guaranteed fixed rate on the strategy guarantees, so future renewal rates can reset down to the contractual floors.
This contract is not available to residents of New York, Maryland, or Maine — Nassau Life offers separate New York-specific products. The surrender ladder runs nine years from a high single-digit year-one charge, so an unplanned early exit beyond the annual free-withdrawal allowance in the first several years carries a real cost.

Not ideal for

Buyers who took the 'Income Accelerator' product name at face value and expected a guaranteed-lifetime-withdrawal rider attached — that is not what this contract delivers on the live feed. Also not for buyers who require an A-grade A.M. Best rating, who want a premium bonus, who want guaranteed-minimum strategy floors above the contractual zero-floor on the fixed-rate and participation guarantees, who want a death-benefit roll-up, or who live in New York, Maryland, or Maine.

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All crediting strategies

View rate listings (22 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 48% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation